Financing Options for Drivers
Across the Capital Region.
Good credit, bad credit, no credit, or buying your first vehicle, The Car Shoppe is here to help you find a financing option that works. Our team in Malta works with a network of outside lenders that review applications from customers with many different credit backgrounds, and we keep the process simple, honest, and free of pressure from start to finish.
Get Pre-QualifiedFinancing at The Car Shoppe
A Simple, Straightforward Process.
Here is what to expect when you finance your next vehicle with The Car Shoppe.
Every Credit Situation.
Strong credit, rebuilding, or first-time buyer, we explain every step in plain terms.
Outside Lending Partners.
We work with a range of lenders. Approval, rates, and terms are set by the lender.
Ready When You Are.
Apply online or visit us on US-9 in Malta. Your trade can go toward your down payment.
All financing is subject to lender approval. Programs, rates, terms, and down payments vary by applicant and vehicle.
Get Started Today
Explore Your Financing Options
Fill out the form below, and a member of our Malta team will contact you to discuss your options. You are welcome to browse our inventory while you wait to hear from us.
Financing FAQs
Find quick answers to common questions about financing your next vehicle at The Car Shoppe.
What types of vehicles does The Car Shoppe sell?
The Car Shoppe is a retail used vehicle dealership offering a wide selection of quality pre-owned cars, trucks, and SUVs. Browse our current inventory online, or stop by our dealership on US-9 in Malta to see what is on the lot.
How long does the financing process usually take?
The pre-qualification form only takes a few minutes to complete. After that, timing depends on the lender and your application. Bringing your documents with you can help keep things moving, and our team will keep you updated at every step.
Do you help customers throughout the Capital Region?
Yes. Our Malta dealership works with drivers from Saratoga Springs, Clifton Park, Halfmoon, Stillwater, Waterford, Troy, Schenectady, Albany, and communities across the Capital Region.
Do you offer financing for all credit situations?
The Car Shoppe works with a network of outside lenders that review applications from customers with many different credit backgrounds, including good credit, challenged credit, and limited credit history. Approval, rates, and terms are set by the lender and depend on your application and the vehicle you choose.
Can first-time buyers qualify for financing?
Many of our lending partners work with first-time buyers and customers who are just starting to build credit. Our team will walk you through the process, explain what lenders look for, and help you find an option that fits your budget, subject to lender approval.
What should I bring when applying for financing?
It helps to bring a valid driver's license, recent proof of income such as pay stubs, and proof of residence such as a utility bill. If you plan to trade in a vehicle, bring its title or payoff information. Lenders may ask for additional documents depending on your application.
Will applying for financing affect my credit score?
When a lender reviews a financing application, they may check your credit, which can appear on your credit report. Our team is happy to explain how the process works before you apply so you know what to expect.
Do you accept trade-ins?
Yes. Your trade-in value can go toward your down payment, which may reduce the amount you need to finance. You can also sell your vehicle to us outright, even if you are not buying from us.
How do I get started with financing?
Fill out the pre-qualification form on this page, and a member of our Malta team will contact you to discuss your options. You can also stop by our dealership on US-9 or call us at (518) 746-1200.
